SunTrust Bank


303 Peachtreet Street, Northeast
Atlanta, GA 30308
See all branch locations →

Phone 800 786 8787

Notable Rates APY Vs.Others
Savings N.A. 2.55% →
1-Year CD N.A. 2.80% →
2-Year CD N.A. 3.20% →
5-Year CD N.A. 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC 5.00% 2.79% →

2022 Overview

General Bank Information

SunTrust Bank is an FDIC insured institution located in Atlanta, GA. It was founded in 1891 and has approximately $221.42 billion in assets. Customers can open an account at one of its 1,488 branches.

FDIC Insured Yes
FDIC Certificate # 867
Date Established 1891
Assets $ 216.30 billion
Loans $ 158.85 billion
Deposits $ 169.25 billion
Capital $ 26.66 billion

For a more detailed analysis of SunTrust Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 14, 2022

Your Current Location: California, CA 92111


Loan Rates - August 14, 2022

Your Current Location: California, CA 92111

Home Equity Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


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SunTrust Bank Locations

Climate Initiatives

SunTrust Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

SunTrust Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of SunTrust Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
SunTrust Bank U.S. Bank Average
7.29% 4.01%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2022, SunTrust Bank had $1,996,900,000 in non-current loans and $69,274,000 in owned real estate. To cover these potential losses it had $26,657,976,000 in equity and $1,698,331,000 in loans loss reserves. That gives it a Texas Ratio of 7.29%.

Return on Equity
SunTrust Bank U.S. Bank Average
10.51% 9.01%

SunTrust Bank has a Return on Equity of 10.51% versus the BestCashCow average of 9.01%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

SunTrust Bank U.S. Bank Average
12.32% 10.66%

SunTrust Bank has a Capitalization of 12.32% versus the BestCashCow average of 10.66. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

SunTrust Bank Balance Sheet Analysis

As of September 30, 2019, SunTrust Bank had assets of $221,424,201,000, loans of $158,851,566,000, and deposits of $169,246,694,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2022
Cash & Balances due from depository institutions $ 7.91 billion
Interest-bearing balances $ 6.03 billion
Total securities $ 31.33 billion
Federal funds sold and reverse repurchase $ 133.50 million
Net loans and leases $ 158.85 billion
Loan loss allowance $ 1,698.33 million
Trading account assets $ 4.94 billion
Bank premises and fixed assets N.A.
Other real estate owned $ 69.27 million
Goodwill and other intangibles $ 7.53 billion
All other assets $ 8.20 billion
     Total Assets $ 194.77 billion
Total deposits $ 169.25 billion
      Interest-bearing deposits $ 128.23 billion
      Deposits held in domestic offices $ 169.25 billion
      % insured (estimated) 56.10%
Federal funds purchased and repurchase agreements $ 515.48 million
Trading liabilities $ 476.89 million
Other borrowed funds $ 19.96 billion
Subordinated debt $ 887.04 million
All other liabilities $ 3.68 billion
      Total Liabilities $ 194.77 billion
      Shareholders’ Equity $ 21.53 billion

Summary Income Statement

March 31, 2022
Total Interest Income $ 5.98 billion
Total Interest Expense $ 1,273.33 million
Net interest income $ 4.71 billion
Provision for loan and lease losses $ 409.53 million
Total non interest income $ 2.27 billion
Total non interest expense $ 4.23 billion
Pre-tax Net Operating Income $ 2.34 billion

Bank Loan Profile?

The top three loan types in SunTrust Bank’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Georgia, SunTrust Bank has a significantly higher percent of Credit Card Loans, Consumer Auto Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.89
Credit Card Loans 1.07
Consumer Auto Loans 8.11
Small Business Loans 0.75
Construction and Development Loans 2.32
Commercial Real Estate 10.05
Commercial and Industrial Loans 26.86
Farm Loans 0.02

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